Ikhredithi yakho kunye namatyala ahlobene ngqo nomnye. Isixa sematyala ochaphazela akho amanqaku ekhredithi, kunye nendlela ophatha ngayo ityala lakho kwaye iintlawulo zichaphazela amanqaku akho. Kufuneka uqonde ukuba imbali yakho yekhredithi kunye namanqaku ekwereti zizinto ezimbini ezahlukeneyo . Xa ucinga ngetyala okanye ulawulo lwetyala, kubalulekile ukuqaphela ukuba ezi zinto zidibene kunye. Ezi ngcebiso zinokukunceda ukuba ugweme iimpazamo zekhredithi .
01 Ulawulo lweMatyala yeMatyala Iingcebiso: Njalo hlawula ngexesha
02 Ulawulo lweMatyala yeMboleko Iphulo: Khupha ngaphezu kweNtlawulo encinci
Ukuba nguwe kuphela inkokhelo encinci kumakhadi akho ekwereta, kuya kuthatha iminyaka ukuhlawula imali. Ukuba uhlawula ngaphezulu, uya kunciphisa umgaqo-siseko ngokukhawuleza kwaye ulondoloze imali kwiintlawulo zenzalo kwiminyaka. Unokwenene ugxininise eli gunya ngokusebenzisa intlawulo engaphezulu kwikhadi elilodwa. Oku kunciphisa umlinganiselo wokulinganisela ngokukhawuleza. Emva kokuba uhlawule loo khadi, ke usebenzise isongezelelo kunye nomlinganiselo wentlawulo kwimboleko yakho elandelayo. Oku kuvumela amandla okukwakha nokukhawulezisa ityala lakho lokuhlawula ngokukhawuleza. Ukukhangela izilinganiso zakho zemali ephakamileyo ukuya kumakhadi anomdla ongaphantsi unokukhawulezisa inkqubo kwaye ugcine imali.
03 Ulawulo lweMatyala-mboleko Iphulo: Jonga iNgxowa-mali yakho kwiRatio yeNgeniso
Emva kokuba unamakhredithi ekhadi lamakhredithi kunye nabanye ababolekisi abayi kukulungele ukubolekisa imali. Baya kuhlawulisa inzala ephakamileyo yokukwenza. Kufuneka uqaphele xa wena kunye nekhaya lakho. Kufuneka uqiniseke ukuba ukuhlawula ekhaya (yokuqala kunye nesibini kwimali-mboleko) ayikho ngaphaya kwama-20 ekhulwini kwimivuzo yakho. Ngaphandle koko, awukwazi ukuhlawula indlu. Kufuneka ujonge kwakhona iingxelo zakho zekredithi rhoqo kwaye uzilungiselele naziphi na iimpazamo ezinokuthi zibe ngxelo.
Ulawulo lweMatyala kaMatyala Inqaku: Qaphela iiCards Credit kunye neZentengiso
Ngokuqhelekileyo izitolo ziya kukunika isaphulelo xa usebenzisa ikhadi labo lesikweletu ukuze uthenge, kodwa ukuba awuyi kuhlawula ikhadi ngale nyanga uza kugqiba ukuhlawula ngaphezulu inzala kunokuba ungayikhokhela imali ngempahla. Ukulondoloza akufanelekile ukuya kwii-tyala. Ukugcina amakhadi enkredithi ngokuqhelekileyo banamanani amanqanaba aphezulu. Ukongeza, abantu bachitha ixesha xa bethenga ngekhredithi ngokuchasene nokuthenga ngemali.
Ulawulo lweMatyala-mboleko yeTyala: Ukwaphula iCredit / Debt Cycle
Ukuze ukwazi ukulawula imali yakho ngokufanelekileyo, kubalulekile ukuyeka ukusebenzisa i-matyala. Awusoze waqala ukwakha ubutyebi nje nje ngokuba uqhubeka uhlawula. Kufuneka uyeke ukusebenzisa amakhadi akho ekwereta, kwaye uboleka imali ukuthenga izinto ngaphandle kwekhaya lakho. Emva kokuba ubeke isicwangciso sakho sokuhlawula ityala, qhubeka ujolise ekuhlawuleleni amatyala akho ngokuzivuza ngenxa yezinto ezibalulekileyo ozifikelela kuzo. Kufuneka usebenze kwakhona ekucoceni amatyala akho endala . Kufuneka kwakhona unakekele nayiphi na i-akhawunti ethunyelwe kwiiqokelela zetyala . Xa unayo imali eyongezelelweyo oyisebenzisayo ukuze uyihlawule, ungayisebenzisa ukuqala ukutshala imali kwaye uya kuqalisa ukwakha ubutyebi. Kubalulekile ukuqaphela ukuba ubutyebi okanye isityebi asilinganiswa yinto enokuzifumana ngayo, kodwa ngaba zininzi izinto onayo kunye nokuba unayo ibhanki.